Terms of Service (End Users)

1. Introduction

Linefront is a digital onboarding, workflow, and verification platform used by organisations to collect, process, and assess information from individuals. This document outlines the terms of your use of the Linefront website, applications, and services (the “Platform”).

These Terms are legally binding, so please read them carefully. These Terms apply only to your use of the Platform and do not create any relationship between you and any organisation (the “Client”) using Linefront.

2. About Linefront

3. Definitions

• “End User” / “you”: Any individual using the Platform
• “Client”: The organisation that has asked you to provide information via Linefront
• “Services”: All services provided via the Platform

4. Role of Linefront

Linefront provides the technology platform used by Clients. Important:

• Linefront does not control how Clients use your data
• Linefront does not make decisions about you (unless explicitly stated)
• Any decisions (e.g. approval, eligibility, outcomes) are made by the Client

5. Acceptance of Terms

By accessing or using the Platform, you agree to these Terms. If you do not agree, you must not use the Platform.

6. Changes to Terms

We may update these Terms from time to time. Continued use of the Platform constitutes acceptance of any updated Terms.

7. Privacy and Data Protection

Please read our Privacy Policy for details on how your data is used.

Our Role

In most cases:

• Linefront acts as a Data Processor
• The Client is the Data Controller

We process your data only on behalf of the Client and to provide the Services. In limited cases (e.g. account management or optional services), we may act as a Data Controller.

8. Information You Provide

You agree that:

• All information you provide is accurate, complete, and up to date
• You will update your information if it changes

You acknowledge that the Client may rely on this information, and that incorrect information may affect outcomes.

9. Use of the Platform

You may only use the Platform for personal, non-commercial use and for the purposes intended by the Client.

You must not:

• Misuse the Platform
• Upload unlawful or harmful content
• Attempt unauthorised access
• Interfere with system integrity
• Use automated tools to scrape or extract data

10. Verification, Checks, and Data Sources

To support onboarding and verification processes, Linefront may:

• Process documents you provide
• Validate identity and personal details
• Obtain or verify information from third-party sources

This may include identity verification, address verification, and regulatory or compliance checks. You acknowledge that such checks may be required by the Client.

11. Credit and Background Checks

Where applicable:

• Linefront may facilitate checks via TransUnion or other providers
• These are typically soft credit checks, which do not affect your credit score
• If a hard credit check is required, you will be clearly informed in advance

Linefront does not make lending decisions. Any decisions based on such data are made by the Client.

12. AI and Automated Processing

Linefront may use artificial intelligence (“AI”) and automated systems to:

• Analyse documents
• Extract and structure data
• Support verification and risk assessment
• Assist Clients in evaluating applications

Important: AI outputs are assistive only, are not guaranteed to be accurate or complete, and do not constitute legal or financial advice.

Decision-Making

Linefront does not make final decisions about you. All decisions are made by the Client.

Your Rights

Depending on applicable law, you may have rights including requesting human review, challenging decisions, and requesting additional information. You should contact the relevant Client to exercise these rights.